关键词: 小微企业,融资错配,民间借贷,民营银行,金融改革

Abstract: Under the conditions of the separated state-owned sectors and private sectors and the mismatched financing resources between the big banks and the small businesses, it is unrealistic and ineffective to solve the financing problems for the small businesses simply relying on the existing bank-enterprise relationship. The government tries to solve the problem with administrative orders, but it is difficult to reach the expected goal. Private lending can effectively relieve the financing problem for the private small enterprises, but it is regarded as the main pushing hand for the worsening environment of the small business financing. This paper points out that the only way to solving this problem should be walking out of the misunderstandings of the arbitrarily mismatched financing between big banks and small business and clearing up the misunderstandings of private lending being the main pushing hand for the worsening financing environment. The financial system must be reformed from strict control into open control comprehensively, so as to construct a multi-resource financing platform for matched small businesses.

Key words: small business; mismatched financing; private loans; private bank; financial reforms